2. Finance Receivables (Tables)

6 Months Ended

Jun. 30, 2015

Finance Receivables

Financial Receivables

	June 30,			December 31,
	2015			2014
Finance Receivables		(In thousands)
Automobile finance receivables, net of unearned interest	$	1,796,077		$	1,612,246
Less: Unearned acquisition fees and originations costs		(11,279	)		(16,290	)
Finance Receivables	$	1,784,798		$	1,595,956

Delinquency status of finance receivables

	June 30,		December 31,
	2015		2014
	(In thousands)
Delinquency Status
Current	$	1,684,617	$	1,523,020
31 - 60 days		52,704		42,730
61 - 90 days		27,064		23,300
91 + days		31,692		23,196
	$	1,796,077	$	1,612,246

Allowance for credit losses

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2015			2014			2015			2014
	(In thousands)						(In thousands)
Balance at beginning of period	$	68,142		$	44,652		$	61,460		$	39,626
Provision for credit losses on finance receivables		35,683			25,627			69,122			49,508
Charge-offs		(34,836	)		(26,985	)		(66,665	)		(50,526	)
Recoveries		5,552			10,032			10,624			14,718
Balance at end of period	$	74,541		$	53,326		$	74,541		$	53,326

Allowance for losses on repossessed inventory

	June 30,			December 31,
	2015			2014
	(In thousands)
Gross balance of repossessions in inventory	$	24,878		$	28,234
Allowance for losses on repossessed inventory		(15,864	)		(17,829	)
Net repossessed inventory included in other assets	$	9,014		$	10,405